Searching for The Best Medicare Supplement Plans Available In Brevard County, Florida?
We’ll guide you through the process to avoid some common mistakes when choosing your Medigap Plan
Choose From The Best Medicare Supplement Plans in Florida: Your Guide to Coverage
Are you a Florida senior searching for the best Medicare Supplement plans to fit your lifestyle? With 67 counties from the Panhandle to the Keys, finding Medicare Supplement insurance that works for you can feel like navigating a maze. But don’t worry! With nearly 30 years helping folks like you, I’m here to clear up the confusion, answer your top Medicare questions, and guide you to the right Medigap plan. Whether you’re soaking up the sun in Miami or enjoying the quiet life in Ocala, this guide covers Florida’s unique healthcare landscape, challenges finding Medicare-accepting doctors, and how I can help you get covered in 2025. Click Here To Compare All Plans
What's the process?
We’re easy to reach. Most use our form. This allows us to call you at the time of your convenience. We’ll ask about your Part B date, current coverage (if any), budget guardrails.
- Clear, Unbiased, Fast
- Licensed since 1994
- FL License #A169316
We shop carriers and identify underwriting flags (if any), Once we’ve identified several, we’ll contact you to set up the best time to go over our findings.
- No pushy sales theater
- Right-sized plan
- Application concierge
Right-sized Medigap plan (G, N, or fit) for your ZIP and budget
Application concierge (e-app done right, the first time)
Annual rate-check so you don’t overpay next renewal
- Same day quotes
- Apples-to-apples
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What Is a Medicare Supplement Plan?
Medicare Supplement plans — often called Medigap — are optional policies you can buy from private insurance companies to help pay the costs that Original Medicare (Part A and Part B) doesn’t fully cover. Think of them as “gap fillers.”
With Medicare alone, you’re still on the hook for things like deductibles, coinsurance, and copays. A Medigap plan can step in and cover some or all of those out-of-pocket costs.
How Do They Work?
You stay enrolled in Original Medicare.
Medicare pays its share of approved healthcare costs.
Your Medigap plan pays its share after that.
You still use your red, white, and blue Medicare card at the doctor’s office — nothing changes there. The Supplement is just a backup so you’re not left with big bills.
Fast Facts (Save Yourself Headaches)
- Medigap ≠ Advantage. Medigap works with Original Medicare; no networks, no referrals.
- Price is by ZIP/age/tobacco/household. Same benefits → different carrier rates.
- Timing matters. Your Part B date and Guaranteed Issue windows change underwriting.
- Doctor freedom. Any provider accepting Medicare. Traveling? You’re still covered.
Medigap vs. Advantage
- Medigap (We place it): higher premium, lower unpredictable costs, nationwide access, no network drama.
- Advantage (We don’t market it): lower premium, networks, authorizations, plan rules.
You want clarity, predictability, and freedom → Medigap usually wins.
What Drives Your Rate?
- ZIP code • Age (and birthday timing) • Tobacco status • Household discount • Carrier rate history
Which Plans Can You Choose?
Plans are standardized by letter — A through N — so a Plan G in Florida has the same benefits as a Plan G in any other state. The big differences are in monthly premium, underwriting rules, and which carriers sell it in your area.
The most popular in Florida today are Plan G (covers nearly everything except the Part B deductible) and Plan N (lower premium, but you pay a copay for office and ER visits). Click Here To Compare All Plans
Florida-Specific Notes
Community vs. Attained Age Rating: In Florida, most carriers use attained-age pricing — meaning your premium is based on the age you are when you enroll and can rise as you get older. That’s important to budget for.
Open Enrollment Window: You have a six-month guaranteed-issue period when you first enroll in Medicare Part B at age 65. After that, you may have to answer health questions to switch plans.
Household Discounts: Some Florida carriers offer a household or spousal discount if two people in the same household enroll.
Local Support: Since carriers and rates vary by county, we run quotes for your ZIP code to make sure you’re not overpaying.
What’s The Next Step?
If you’re turning 65 soon or already on Medicare and looking at options, we’ll compare every Medigap carrier available in your Florida county. You’ll see the actual premiums side by side, and we’ll walk you through how Plan G and Plan N stack up for your situation.
People Love Our Plans
Loretta - Hollywood, FL
“Working with this Chuck was a breath of fresh air. Every step of the process was explained clearly, and I never felt pressured to choose a plan that wasn’t right for me. I really appreciated the honest advice and felt like my best interests were the top priority.”
Gary - Cape Coral, FL
“I had so many questions about Medicare, but my agent took the time to answer each one in detail. Everything was explained in a way that was easy to understand, and I always knew exactly what to expect. It’s rare to find this level of transparency these days!”
Lisa - Lake Worth, FL
“Whenever I had a question or concern, Chuck responded quickly and always provided straightforward answers. He made sure I understood everything and never rushed me. So grateful for his integrity and support!”
Top Medicare Supplement Plans in Brevard County: Your Guide to Coverage
Welcome to your trusted guide for finding the perfect Medicare Supplement plan in St. Lucie County, Florida. Whether you’re turning 65 or already navigating Medicare, I’m here to make the process simple, personalized, and worry-free. With nearly 30 years as a licensed insurance agent, I specialize in helping St. Lucie County seniors find affordable Medigap plans tailored to their healthcare needs. From Port St. Lucie to Fort Pierce, I’ll ensure you have the coverage to enjoy your vibrant retirement in this sunny, coastal community. If any links in this guide don’t work, try the Medicare Care Compare tool or visit Florida Health Finder for additional resources, or contact local county services for assistance.
Why Medigap Plans Are Gaining Popularity
Covers Out-of-Pocket Costs: Helps pay for deductibles, copayments, and coinsurance that Original Medicare doesn’t cover, reducing unexpected medical expenses.
Financial Security: Provides peace of mind and predictability by limiting out-of-pocket costs, especially during serious illness or lengthy hospital stays.
Nationwide Flexibility: Allows beneficiaries to see any doctor or specialist who accepts Medicare, with no need for referrals, ensuring broad access to care.
Guaranteed Renewability: Policies are renewable as long as premiums are paid, so coverage can’t be canceled due to age or health changes.
Variety of Plans: Offers a range of plan options to suit different healthcare needs and budgets, allowing individuals to choose the level of coverage that best fits them.
Emergency Foreign Travel Coverage: Some plans include coverage for emergencies abroad, appealing to retirees who travel internationally.
Stable Coverage Over Time: Ensures coverage remains reliable as healthcare needs evolve with age.
These benefits make Medigap an attractive option for many Medicare recipients.
What Makes Brevard County A Great Place To Live?
Brevard County, located along Florida’s Space Coast, offers a unique blend of coastal beauty, technological innovation, and vibrant communities, making it a retiree’s haven. Home to about 614,000 residents, it’s known for the Kennedy Space Center, pristine beaches, and the Indian River Lagoon. A 65-year-old man or woman might enjoy exploring the Brevard Zoo, surfing at Cocoa Beach, or attending a rocket launch viewing at Jetty Park. The county’s mild climate supports year-round activities, from kayaking in the Merritt Island National Wildlife Refuge to strolling through Historic Downtown Melbourne. Senior programs through Brevard County Community Services offer fitness classes, social events, and transportation assistance, as highlighted by Eastern Florida State College. Brevard County’s coastal charm, space heritage, and active lifestyle make it a top retirement destination.
Key cities and towns in Brevard County with populations of 1,000 or more include:
- Melbourne (pop. ~85,000): A vibrant city with a historic downtown, beaches, and cultural attractions.
- Palm Bay (pop. ~122,000): A growing community with parks and access to the Indian River.
- Titusville (pop. ~49,000): The gateway to the Space Coast, near the Kennedy Space Center.
- Cocoa (pop. ~19,000): A historic town with a charming village and riverfront parks.
- Rockledge (pop. ~28,000): A family-friendly city with historic sites and golf courses.
- Cocoa Beach (pop. ~11,000): A beachside town famous for surfing and the Cocoa Beach Pier.
Brevard County’s mix of coastal beauty, space exploration, and community spirit makes it ideal for retirees. A Medicare Supplement plan helps cover gaps in Original Medicare, letting you focus on enjoying beach days or rocket launches without healthcare worries.
Challenges Finding Medicare-Accepting Doctors and Hospitals in Brevard County
Brevard County has a robust healthcare network, with many providers accepting Medicare Assignment—agreeing to the Medicare-approved amount as full payment to keep your costs low. However, seniors aged 65 or older often face challenges like finding specialists for conditions such as heart disease or orthopedics, managing out-of-pocket expenses, and securing timely appointments in a county with a large retiree population. High demand in areas like Melbourne and Palm Bay can lead to longer wait times for specialists, and navigating Medigap plan options can feel complex without expert guidance.
Key challenges include:
- Finding Specialists: Matching your health needs, like cardiology or oncology, with the right provider can be daunting due to numerous options.
- Managing Costs: Original Medicare covers much, but copays and deductibles for frequent visits or hospital stays can add up quickly.
- Appointment Delays: Popular areas like Melbourne see high demand, which can mean weeks-long waits for preferred providers, affecting timely care.
These hurdles highlight the need for tailored support to navigate healthcare options. Explore Florida Health Finder for comprehensive provider data to streamline your search
Closest Medical Facilities Accepting Medicare Assignment
To simplify your healthcare search in Brevard County, I’ve compiled details on top facilities and providers accepting Medicare Assignment, sourced from reliable platforms like the Florida Department of Health in Brevard. The focus is on facilities near Melbourne, the county’s largest city. Below are six key hospitals and facilities, with estimated driving distances from central Melbourne (near Historic Downtown Melbourne).
- Holmes Regional Medical Center (Health First)
Located at 1350 Hickory St, Melbourne, FL 32901, this hospital is about 1 mile from central Melbourne, a 3-minute drive. It offers emergency care, cardiology, and surgical services, and accepts Medicare Assignment. - Viera Hospital (Health First)
Found at 8745 N Wickham Rd, Melbourne, FL 32940, this facility is approximately 10 miles from central Melbourne, a 15-minute drive. It provides comprehensive care, including orthopedics and heart care, and accepts Medicare Assignment. - Cape Canaveral Hospital (Health First)
Located at 701 W Cocoa Beach Causeway, Cocoa Beach, FL 32931, this hospital is about 20 miles from central Melbourne, a 25-minute drive. It offers emergency and specialty care, and accepts Medicare Assignment. - Brevard County Health Department – Melbourne
Located at 2275 S Babcock St, Melbourne, FL 32901, this clinic is about 2 miles from central Melbourne, a 5-minute drive. It offers primary care and preventive services, and accepts Medicare Assignment. - Parrish Medical Center
Found at 951 N Washington Ave, Titusville, FL 32796, this hospital is approximately 35 miles from central Melbourne, a 40-minute drive. It focuses on comprehensive care and accepts Medicare Assignment.
Driving Distances to Key Facilities
Facility | Location | Distance from Central Melbourne | Drive Time |
Holmes Regional Medical Center | Melbourne, FL | 1 mile | 3 minutes |
Brevard County Health Department – Melbourne | Melbourne, FL | 2 miles | 5 minutes |
Viera Hospital | Melbourne, FL | 10 miles | 15 minutes |
| |||
Cape Canaveral Hospital | Cocoa Beach, FL | 20 miles | 25 minutes |
Parrish Medical Center | Titusville, FL | 35 miles | 40 minutes |
Your decision doesn't have to be this overwhelming
We Help You Understand The Different Coverage Options and Gaps
An agent can explain what each plan offers, assess your healthcare needs, and identify which plan fills the gaps most effectively for you.
We'll Show You How To Compare Costs and Finding Affordable Plans On Your Own
An agent can shop around, compare quotes from multiple insurance companies, and help you find a plan that balances cost and coverage.
We'll Assist You In Figuring Out Enrollment Timing and Eligibility Rules
An agent can guide you through this timing, explain guaranteed-issue rights, and help avoid pitfalls like late enrollment penalties or medical underwriting if you switch plans later.
Directory of Medicare - Accepting Doctors in Brevard County
Finding doctors who accept Medicare Assignment is essential for affordable care. Below is a directory of six providers in St. Lucie County, verified through sources like Cleveland Clinic Florida. Use zip code 34987 for Port St. Lucie in searches for more options.
- Dr. Maria G. Alcantara, MD (Internal Medicine)
Practice: Cleveland Clinic Tradition, 10000 SW Innovation Way, Port St. Lucie, FL 34987
Accepts Medicare Assignment: Yes
Contact: (772) 345-8100
Services: Primary care, geriatric health, chronic disease management. - Dr. Steven T. Salzman, MD (Orthopedics)
Practice: HCA Florida St. Lucie Medical Specialists, 1801 SE Hillmoor Dr, Port St. Lucie, FL 34952
Accepts Medicare Assignment: Yes
Contact: (772) 335-4770
Services: Joint replacement, arthritis care, orthopedic surgery. - Dr. Jorge L. Cuello, MD (Cardiology)
Practice: Lawnwood Cardiovascular Specialists, 1800 SE Tiffany Ave, Port St. Lucie, FL 34952
Accepts Medicare Assignment: Yes
Contact: (772) 335-4000
Services: Heart health, diagnostic testing, cardiovascular care. - Dr. Elizabeth A. Davlantes, MD (Family Medicine)
Practice: Cleveland Clinic Tradition, 10000 SW Innovation Way, Port St. Lucie, FL 34987
Accepts Medicare Assignment: Yes
Contact: (772) 345-8100
Services: Preventive care, wellness exams, chronic condition management. - Dr. Robert K. Friedman, MD (Neurology)
Practice: HCA Florida St. Lucie Medical Specialists, 1700 S 23rd St, Fort Pierce, FL 34950
Accepts Medicare Assignment: Yes
Contact: (772) 461-4000
Services: Neurological care, stroke prevention, seizure management. - Dr. Lisa A. Ferreira, MD (Family Medicine)
Practice: Port St. Lucie Family Health, 1801 SE Hillmoor Dr, Port St. Lucie, FL 34952
Accepts Medicare Assignment: Yes
Contact: (772) 337-4700
Services: General family practice, preventive health, geriatric care.
For a full list, visit Florida Health Finder or contact the Florida Department of Health in St. Lucie at (772) 873-4924
Let’s face it, Medicare isn’t one-size fits all
Navigating Medicare can feel like wandering through a labyrinth of jargon, options, and fine print. I get it, clients often come to me feeling overwhelmed, unsure about coverage, costs, or whether they’re making the right choice. They worry about missing out on benefits or getting stuck with unexpected expenses. For nearly 30 years, I’ve listened to these concerns, answered countless questions, and helped demystify the process. My goal is simple: to understand your unique needs, clarify your options, and guide you toward a plan that brings peace of mind without the stress.
What We Offer - Expert Guidance to Your Perfect Supplement Plan
We’ll dive into your unique needs, simplify the maze of plan options, and guide you with clear, honest advice. My hands-on approach, backed by thousands of client success stories—ensures you get coverage that fits your life, stress-free.
Personalized Plan Comparison
We analyze your healthcare needs, budget, and preferences to recommend the best Medicare Supplement (Medigap) plans, clarifying coverage gaps like deductibles or copays that Original Medicare doesn’t cover
Expert Guidance Throughout
We simplify the complex enrollment process, ensuring clients meet deadlines, understand eligibility, and avoid penalties, while navigating them through plan options with clear, jargon-free explanations.
Ongoing Support and Advocacy
We offer continued assistance post-enrollment, helping with claims, plan changes, or unexpected issues, and stay updated on policy shifts to keep clients’ coverage aligned with their evolving needs.
F.A.Q.
You got questions? We got answers.
What is the best Medicare Supplement plan for Brevard County residents?
The best plan depends on your health and budget. Plan G offers comprehensive coverage, while High-Deductible Plan G is ideal for lower premiums. I’ll provide a personalized quote.
How do I find doctors in Brevard County who accept Medicare?
Use the Medicare Physician Compare tool for zip code 32901 or check Florida Health Finder for local providers. I can verify which doctors accept your Medigap plan.
What are the benefits of a Medicare Supplement plan for active retirees?
Medigap plans cover out-of-pocket costs like copays and deductibles, ensuring affordable care for activities like surfing or exploring Brevard County.
Can I switch Medicare Supplement plans if my needs change?
Yes, you can switch plans, though underwriting may apply outside your initial enrollment period. I’ll guide you through a seamless transition.
How do I get to medical facilities in Brevard County?
SCAT (Space Coast Area Transit) offers transportation services to hospitals in Melbourne or Titusville for seniors.
How I Can Help You in Brevard County?
Finding doctors who accept Medicare Assignment is essential for affordable care. Below is a directory of six providers in Brevard County, verified through sources like Health First. Use zip code 32901 for Melbourne in searches for more options.
- Dr. Mark S. McTammany, MD (Family Medicine)
Practice: Health First Medical Group, 1223 Gateway Dr, Melbourne, FL 32901
Accepts Medicare Assignment: Yes
Contact: (321) 725-4500
Services: Primary care, preventive health, chronic disease management. - Dr. Ashok R. Shah, MD (Internal Medicine)
Practice: Brevard County Health Department, 2275 S Babcock St, Melbourne, FL 32901
Accepts Medicare Assignment: Yes
Contact: (321) 726-2909
Services: General internal medicine, wellness exams, geriatric care. - Dr. David L. Buser, MD (Cardiology)
Practice: Health First Heart & Vascular, 1350 Hickory St, Melbourne, FL 32901
Accepts Medicare Assignment: Yes
Contact: (321) 434-7000
Services: Heart health, diagnostic testing, cardiovascular care. - Dr. Michael J. Goeden, MD (Orthopedics)
Practice: Viera Hospital Medical Group, 8745 N Wickham Rd, Melbourne, FL 32940
Accepts Medicare Assignment: Yes
Contact: (321) 434-9000
Services: Joint replacement, arthritis care, orthopedic surgery. - Dr. Susan B. Jacob, MD (Family Medicine)
Practice: Parrish Medical Group, 494 N Washington Ave, Titusville, FL 32796
Accepts Medicare Assignment: Yes
Contact: (321) 268-6111
Services: Primary care, preventive care, chronic condition management. - Dr. Robert M. Selig, MD (Oncology)
Practice: Health First Cancer Institute, 1131 S Hickory St, Melbourne, FL 32901
Accepts Medicare Assignment: Yes
Contact: (321) 409-1956
Services: Cancer treatment, oncology consultations, chemotherapy.
For a complete list, visit Florida Health Finder or contact the Florida Department of Health in Brevard at (321) 690-6486.
Addressing Your Pain Points
Seniors in Brevard County prioritize staying active, managing healthcare costs, and accessing quality providers. I address these by:
- Cost Management: I compare plans to find affordable options, like High-Deductible Plan G, which offers lower premiums for those comfortable with a higher deductible.
- Provider Access: I connect you to facilities like Holmes Regional Medical Center or doctors like Dr. McTammany, ensuring timely appointments for your needs.
- Plan Clarity: I explain benefits in simple terms, helping you choose coverage that supports your active lifestyle and Original Medicare.
These steps make navigating healthcare less daunting and more tailored to your needs.
Conclusion
Choosing a Medicare Supplement plan in Brevard County doesn’t have to be overwhelming. With my expertise, I’ll help you find Medicare-accepting providers, select a plan that fits your budget and active lifestyle, and navigate the healthcare system with confidence. Whether you’re in Melbourne, Palm Bay, or Cocoa Beach, I’m here to simplify the process and provide ongoing support. Contact me today for a free, personalized quote and take the first step toward worry-free Medicare coverage.
Find Your Plan Today
Don’t miss your chance for the right Medicare Supplement plan. Call us at 1-239-633-4392, email info@medicaresupplementsonly.com, or fill out our form for a free consultation. Let’s make Medicare work for you in the Sunshine State. Learn more at the Centers for Medicare & Medicaid Services
Main Cities and Towns In Brevard County
Cape Canaveral, Cocoa, Cocoa Beach, Cocoa West, Grant-Valkaria, Indialantic, Indian Harbour Beach, June Park, Malabar, Melbourne, Melbourne Beach, Merritt Island, Micco, Mims, North Merritt Island, Palm Bay, Palm Shores, Port St. John, Rockledge, Satellite Beach, Scottsmoor, Sebastian, Sharpes, South Patrick Shores, Titusville, Tropical Park, Viera East, Viera West, West Melbourne
Check Medigap Plans Available In Your County
Disclaimer:
MedicareSupplementsOnly.com is operated by Charles “Chuck” Lunsford, a Life & Health insurance agent licensed in Florida (License A169316, active since 1994). Insurance product descriptions are for informational/marketing purposes only. The policy and any riders issued by the insurer contain the full terms, conditions, exclusions, and limitations. Eligibility, rates, and benefits are determined by the issuing carrier and are subject to underwriting and change.
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